Shubham Aneja

 Ref (really gives a good gist):  https://youtu.be/QJ2i-oHJf7g? si=AAVd2aI8ohxB6ZpE Some tiny hacks like buy gold from  https://www.maximize. money/  from the amazon pay wallet added through ICICI EPM card (20% rewards). Or Paying Insurance/utility through Tata Neu (5% rewards). The Credit Card Awards 2025 Here are the categories and the recommended cards: 1. Best Credit Card for UPI Card:   Yes Bank Kiwi credit card . Rewards and Benefits:  This card offers exceptional returns on UPI payments. The standard lifetime free version gives a direct  1.5% cashback . By opting for the ₹1,000 "Kiwi Neon" subscription, the cashback increases to  2% on all UPI spends . The subscription unlocks yearly milestones: spending ₹50,000 on UPI earns an extra 1% cashback, and spending ₹1 lakh earns an extra 2%. Why it's the best:  If you spend ₹1.5 lakh in a year through UPI or online transactions, the card effectively provides a  5% cashback  (n...

  The Fundamentals Chapter 1: The Surprising Power of Atomic Habits Main Theme: The power of small, incremental improvements. Summary: Focus on tiny changes that can lead to significant results over time. Success isn't about a single massive change but about a 1 percent improvement every day . Your outcomes are a result of your habits, not your goals. Atomic habits are the small, fundamental units of behavior that compound into a larger system. The book encourages a shift from goal-based thinking to system-based thinking . Examples: A group of British cyclists started making tiny improvements, such as redesigning bike seats and using better massage gels, which led to a historic medal count. A person who saves $5 a day will accumulate a significant amount of money over time, even though the daily amount seems insignificant. Chapter 2: How Your Habits Shape Your Identity (and Vice Versa) Main Theme: The link between habits and identity. Summary: True behavior change is about chan...